EP3186762A4 - System and method for electronic payments - Google Patents
System and method for electronic payments Download PDFInfo
- Publication number
- EP3186762A4 EP3186762A4 EP15836443.0A EP15836443A EP3186762A4 EP 3186762 A4 EP3186762 A4 EP 3186762A4 EP 15836443 A EP15836443 A EP 15836443A EP 3186762 A4 EP3186762 A4 EP 3186762A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- electronic payments
- payments
- electronic
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA201406362 | 2014-08-29 | ||
PCT/IB2015/056537 WO2016030862A1 (en) | 2014-08-29 | 2015-08-28 | System and method for electronic payments |
Publications (2)
Publication Number | Publication Date |
---|---|
EP3186762A1 EP3186762A1 (en) | 2017-07-05 |
EP3186762A4 true EP3186762A4 (en) | 2017-07-26 |
Family
ID=55398838
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP15836443.0A Pending EP3186762A4 (en) | 2014-08-29 | 2015-08-28 | System and method for electronic payments |
Country Status (11)
Country | Link |
---|---|
US (1) | US20170255908A1 (en) |
EP (1) | EP3186762A4 (en) |
KR (1) | KR20170058950A (en) |
CN (1) | CN106716469A (en) |
AP (1) | AP2017009835A0 (en) |
AU (1) | AU2015308090B2 (en) |
BR (1) | BR112017003991A2 (en) |
MX (1) | MX2017002595A (en) |
SG (1) | SG11201701510WA (en) |
WO (1) | WO2016030862A1 (en) |
ZA (1) | ZA201701874B (en) |
Families Citing this family (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10621567B2 (en) | 2015-07-01 | 2020-04-14 | Mastercard International Incorporation | Electronic grace period billing |
US10311413B2 (en) | 2015-07-01 | 2019-06-04 | Mastercard International Incorporated | By-item bill payments |
US10535067B2 (en) | 2015-07-01 | 2020-01-14 | Mastercard International Incorporated | Electronic incremental payments |
SG10201605789VA (en) * | 2016-07-14 | 2018-02-27 | Mastercard International Inc | Methods and systems for securing a payment initiated by a payee |
US11023897B1 (en) * | 2017-12-05 | 2021-06-01 | Worldpay, Llc | Systems and methods for optimizing transaction conversion rate using measured feedback |
US20200097931A1 (en) * | 2018-09-21 | 2020-03-26 | Mastercard International Incorporated | Payment transaction process employing invoice token |
CN110569408B (en) * | 2019-09-04 | 2022-03-11 | 广州大学 | Digital currency tracing method and system |
CN111242594B (en) * | 2020-01-13 | 2021-11-16 | 支付宝实验室(新加坡)有限公司 | Cross-region offline payment registration and payment method and device |
Family Cites Families (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6957199B1 (en) * | 2000-08-30 | 2005-10-18 | Douglas Fisher | Method, system and service for conducting authenticated business transactions |
CN1186741C (en) * | 2002-08-19 | 2005-01-26 | 中国科学院计算技术研究所 | Interactive multifunctional digital token |
US20060235795A1 (en) * | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
US8838503B2 (en) * | 2008-12-08 | 2014-09-16 | Ebay Inc. | Unified identity verification |
AU2013205575A1 (en) * | 2008-12-31 | 2013-05-16 | Paypal, Inc. | Unified identity verification |
US8380177B2 (en) * | 2010-04-09 | 2013-02-19 | Paydiant, Inc. | Mobile phone payment processing methods and systems |
AU2011261259B2 (en) * | 2010-06-04 | 2015-05-14 | Visa International Service Association | Payment tokenization apparatuses, methods and systems |
WO2013045898A2 (en) * | 2011-09-28 | 2013-04-04 | Lionel Wolovitz | Methods and apparatus for brokering a transaction |
US20140297533A1 (en) * | 2011-11-13 | 2014-10-02 | Millind Mittal | System and method of electronic payment using payee provided transaction identification codes |
WO2013130716A1 (en) * | 2012-02-29 | 2013-09-06 | Patel Upen | System and method to manage information for conducting secure transactions |
CN102663586B (en) * | 2012-03-21 | 2016-07-06 | 华为技术有限公司 | A kind of method completing to pay by two mobile terminals |
US20140310171A1 (en) * | 2013-04-12 | 2014-10-16 | Bank Of America Corporation | Certified person-to-person payment system |
AU2014290143C1 (en) * | 2013-07-15 | 2019-01-03 | Visa International Service Association | Secure remote payment transaction processing |
CN103854173A (en) * | 2014-03-28 | 2014-06-11 | 紫光股份有限公司 | Mobile payment method for field shopping |
CN103985038A (en) * | 2014-04-16 | 2014-08-13 | 深圳市亚略特生物识别科技有限公司 | Payment method of mobile terminal based on fingerprint recognition |
-
2015
- 2015-08-28 AP AP2017009835A patent/AP2017009835A0/en unknown
- 2015-08-28 WO PCT/IB2015/056537 patent/WO2016030862A1/en active Application Filing
- 2015-08-28 SG SG11201701510WA patent/SG11201701510WA/en unknown
- 2015-08-28 KR KR1020177008480A patent/KR20170058950A/en unknown
- 2015-08-28 CN CN201580052184.9A patent/CN106716469A/en active Pending
- 2015-08-28 BR BR112017003991A patent/BR112017003991A2/en not_active Application Discontinuation
- 2015-08-28 MX MX2017002595A patent/MX2017002595A/en unknown
- 2015-08-28 US US15/507,078 patent/US20170255908A1/en not_active Abandoned
- 2015-08-28 AU AU2015308090A patent/AU2015308090B2/en active Active
- 2015-08-28 EP EP15836443.0A patent/EP3186762A4/en active Pending
-
2017
- 2017-03-16 ZA ZA2017/01874A patent/ZA201701874B/en unknown
Non-Patent Citations (1)
Title |
---|
No further relevant documents disclosed * |
Also Published As
Publication number | Publication date |
---|---|
KR20170058950A (en) | 2017-05-29 |
EP3186762A1 (en) | 2017-07-05 |
ZA201701874B (en) | 2019-06-26 |
MX2017002595A (en) | 2017-10-11 |
CN106716469A (en) | 2017-05-24 |
BR112017003991A2 (en) | 2018-02-20 |
SG11201701510WA (en) | 2017-03-30 |
AU2015308090B2 (en) | 2018-03-29 |
AU2015308090A1 (en) | 2017-04-13 |
WO2016030862A1 (en) | 2016-03-03 |
AP2017009835A0 (en) | 2017-03-31 |
US20170255908A1 (en) | 2017-09-07 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE INTERNATIONAL PUBLICATION HAS BEEN MADE |
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PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
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STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: REQUEST FOR EXAMINATION WAS MADE |
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17P | Request for examination filed |
Effective date: 20170327 |
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AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
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AX | Request for extension of the european patent |
Extension state: BA ME |
|
A4 | Supplementary search report drawn up and despatched |
Effective date: 20170628 |
|
RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/32 20120101ALI20170622BHEP Ipc: G06Q 20/42 20120101ALI20170622BHEP Ipc: G06Q 20/38 20120101ALI20170622BHEP Ipc: G06Q 20/02 20120101AFI20170622BHEP |
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DAX | Request for extension of the european patent (deleted) | ||
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17Q | First examination report despatched |
Effective date: 20200313 |
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